1st Mississippi Federal Credit Union

Rates

Payment Calculator


Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Rates - Effective 3-07-13

Auto Loans View Details

Model Term APR as LOW as * Estimated Payment / $1000
New Vehicle 36 Months 2.99% $29.08
48 Months 3.99% $22.58
60 Months 4.99% $18.87
72 Months 5.99% $16.57
84 Months 6.99% $15.09
Used Vehicle 36 Months 5.25% $30.08
48 Months 5.25% $23.14
60 Months 5.49% $19.10
72 Months 6.49% $16.81
Auto Refinance 36 Months 5.99% $30.42
48 Months 6.49% $23.71
60 Months 6.99% $19.80
Current Year <15,000 mi 72 Months 7.49% $17.29

* Estimate includes principal and interest only.

Home Equity View Details

5 YR Balloon up to 360 Month Schedule w/ Real Estate
HELOC 1st & 2nd MTG.
(NO FLOOR) PRIME
+ .5% + 1% + 1.5% + 2% + 2.5% + 3.5%
TACK-ON Equity Loans
UP TO 60 Months
9.75% 10.75% 11.75% 14.99% 16.99% 17.99%

Mortgages

Improved Real Estate (Up to 95% on purchases with PMI INS.) (Up to 80% LTV w/o PMI INS.)
60 Months 5.49% 5.99% 6.49% 7.49% 7.99% 8.49%
72 Months 5.99% 6.49% 6.99% 7.99% 8.49% 8.99%
84 Months 6.49% 6.99% 7.49% 8.49% 8.99% 9.49%
5YR Balloon up to 480 Month Schedule Note: Doublewide Modular Homes w/RE 5UR Ballon up to 360 Month Schedule

 

Other Loans View Details

Loan Type Max Term            
Signature/Unsec. See Loan Matrix 9.75% 10.75% 11.75% 16.99% 17.99% 17.99%
Share Secured See Loan Matrix 5.75% 5.75% 5.75% 5.75% 5.75% 5.75%
CD Secured See Loan Matrix CD + 2.00% ----- ----- ----- ----- -----
Boats / Motors / Trailers / Motorcycles / ATVs / Jet Skis / Used RV's (NADA Loan Value) (Purchase Security Interest)
  Term            
  36 Months 6.25% 6.49% 7.99% 12.99% 16.99% 17.99%
  48 Months 6.49% 6.99% 8.49% 12.99% 17.99% 17.99%
New Only 60 Months 6.99% 7.49% 8.99% 12.99% 17.99% 17.99%
New Boat / Motor / Trlr 72 Months 6.99% 7.49% 7.99% 13.49% 17.99% 17.99%
Used Boat / Motor / Trlr 72 Months            
Recreational Vehicles 80% LTV (Sale Price) (USED - NADA Loan Value)
NEW / USED < $50,000 72 Months 6.99% 7.49% 8.99% 12.99% 14.99% 15.99%
> 50,000 120 Months 7.99% 8.49% 9.49% 14.99% 15.99% 16.99%

Checking

 

Basic Checking: Minimum Balance of $1,000.00 Dividend APY 0.05%

1st Advantage Checking: Minimum Balance of $500.00 Dividend APY 0.05%

Savings

Basic Savings: Minimum Balance less then $2,500.00 and over $2,500.00 Dividend APY 0.10%

1st Beginnings Savings: Minimum Balance $100.00 Dividend APY 0.05

High Yield: Minimum Balance $7,500.00- $24,999.99 Dividend APY 0.20%

High Yield: Minimum Balance $25,000.00- $49,999.99 Dividend APY 0.25%

High Yield: Minimum Balance $50,000.00- $249,999.99 Dividend APY 0.30%

High Yield: Minimum Balance $250,000.00 and over Dividend APY 0.35%

Share Certificate

Certificates*** (Includes IRAs)
Term APY
6 Months  .20%
12 Months  .40%
18 Months  .45%
24 Months  .50%
30 Months  .50%
36 Months  .66%
48 Months  .76%
60 Months 1.01%

***CDs $95,000+ are negotiable.